American Express Data Security Operating Policy Thailand

American Express Data Security Operating Policy Thailand As a leader in consumer protection, American Express has a long-standing commitment to protect Cardmember Information, ensuring that it is kept secure. Compromised data negatively impacts consumers, Merchants, Service Providers and card issuers. Even one incident can severely damage a company s reputation and impair its ability to effectively conduct business. Addressing this threat by implementing security operating policies can help improve customer trust, increase profitability, and enhance a company s reputation. American Express knows that our Merchants and Service Providers (collectively, you) share our concern and requires, as part of your responsibilities, that you comply with the data security provisions in your agreement to accept (in the case of Merchants) or process (in the case of Service Providers) the American Express Card (each, respectively, the Agreement) and this Data Security Operating Policy, which we may amend from time to time. These requirements apply to all your equipment, systems, and networks (and their components) on which encryption keys, Cardholder Data, or Sensitive Authentication Data (or a combination of those) are stored, processed, or transmitted. Capitalized terms used but not defined herein have the meanings ascribed to them in the glossary at the end of this policy. SECTION 1 STANDARDS FOR PROTECTION OF ENCRYPTION KEYS, CARDHOLDER DATA AND SENSITIVE AUTHENTICATION DATA You must, and you must cause your Covered Parties to: store Cardholder Data only to facilitate American Express Card Transactions in accordance with, and as required by, the Agreement and comply with the current version of the Payment Card Industry Data Security Standard (PCI DSS) and PCI Pin Security Requirements no later than the effective date for implementing that version. use, when deploying new or replacement PIN Entry Devices or Payment Applications (or both), in attended locations only those that are PCI-Approved. You must protect all American Express Charge records, and Credit records retained pursuant to the Agreement in accordance with these data security provisions; you must use these records only for purposes of the Agreement and safeguard them accordingly. You are financially and otherwise liable to American Express for ensuring your Covered Parties compliance with these data security provisions (other than for demonstrating your Covered Parties compliance with this policy under Section 4 below except as otherwise provided in that section). SECTION 2 DATA INCIDENT MANAGEMENT OBLIGATIONS You must notify American Express immediately and in no case later than twenty-four (24) hours after discovery of a Data Incident. To notify American Express, please contact the American Express Enterprise Incident Response Program (EIRP) at +1 (602) 537-3021 (+ indicates International Direct Dial IDD prefix, International toll applies), or email at EIRP@aexp.com. You must designate an individual as your contact regarding such Data Incident. You must conduct a thorough forensic investigation of each Data Incident. For Data Incidents involving 10,000 or more unique American Express Card account numbers (or otherwise at American Express s request), a PCI Forensic Investigator (PFI) must conduct this investigation. The unedited report must be provided to American Express, within 10 business days after completion. You must promptly provide to American Express all Compromised Card Numbers and the forensic investigation report of the Data Incident. American Express reserves the right to conduct its own internal analysis to identify Card Numbers involved in the Data Incident. You must work with American Express to rectify any issues arising from the Data Incident, including consulting with American Express about your communications to American Express Page 1 DSOP THA Eng Oct 2017

Cardmembers affected by the Data Incident and providing (and obtaining any waivers necessary to provide) to American Express all relevant information to verify your ability to prevent future Data Incidents in a manner consistent with the Agreement. Forensic investigation reports must include forensic reviews, reports on compliance, and all other information related to the Data Incident; identify the cause of the Data Incident; confirm whether or not you were in compliance with the PCI DSS at the time of the Data Incident; and verify your ability to prevent future Data Incidents by providing a plan for remediating all PCI DSS deficiencies. Upon American Express s request, you shall provide validation by a Qualified Security Assessor (QSA) that the deficiencies have been remediated. Notwithstanding any contrary confidentiality obligation in the Agreement, American Express has the right to disclose information about any Data Incident to American Express Cardmembers, issuers, other participants on the American Express network, and the general public as required by applicable law; by judicial, administrative, or regulatory order, decree, subpoena, request, or other process in order to mitigate the risk of fraud or other harm or otherwise to the extent appropriate to operate the American Express network. SECTION 3 INDEMNITY OBLIGATIONS FOR A DATA INCIDENT Your indemnity obligations to American Express under the Agreement for Data Incidents shall be determined, without waiving any of American Express s other rights and remedies, under this Section 3. American Express will not seek indemnification from you for a Data Incident (a) involving less than 10,000 unique Compromised Card Numbers or (b) if: you notified American Express of the Data Incident pursuant to Section 2 of this policy, you were in compliance at the time of the Data Incident with the PCI DSS (as determined by the PFI s investigation of the Data Incident) and the Data Incident was not caused by your wrongful conduct or that of your Covered Parties. You are liable for all other Data Incidents as follows. For a Data Incident involving American Express Card account numbers alone, you shall compensate American Express promptly by paying a Data Incident non-compliance fee not to exceed US$100,000 per Data Incident. For a Data Incident involving American Express Card account numbers with Sensitive Authentication Data, you shall compensate American Express promptly: at the rate of US$5 per account number a Data Incident non-compliance fee not to exceed US$100,000 per Data Incident American Express will exclude from its calculations any American Express Card account number that was involved in another Data Incident involving American Express Card account numbers with Sensitive Authentication Data, provided that American Express received notification of the other Data Incident within the twelve (12) months prior to the Notification Date. All calculations made by American Express under this methodology are final. Merchants indemnity obligations for Data Incidents hereunder shall not be considered incidental, indirect, speculative, consequential, special, punitive, or exemplary damages under the Agreement; provided that such obligations do not include damages related to or in the nature of lost profits or revenues, loss of goodwill, or loss of business opportunities. SECTION 4 IMPORTANT! PERIODIC VALIDATION OF YOUR SYSTEMS You must take the following steps to validate under PCI DSS annually and quarterly as described below, the status of your and your Franchisees equipment, systems and/or networks (and their components) on which Cardholder Data or Sensitive Authentication Data are stored, processed or transmitted. There are four steps required to complete validation: Step 1 Enroll in American Express s Compliance Program under this Policy Step 2 Determine your Level and Requirements Step 3 Determine the Documentation that you must send to American Express Step 4 Send the Documentation to American Express Step 1 Enroll in American Express s Compliance Program under this Policy Level 1 Merchants, Level 2 Merchants, those Level 3 Merchants whom American Express has designated (as described below) and all Service Providers, as described below, must enroll in American Express s compliance program under this policy by providing the full name, e- mail address, telephone number, and physical mailing address of an individual who will serve as their general data security contact. You must submit this information to Trustwave, which administers the program on behalf of American Express, by one of the methods listed in Step 4 below. You must notify Trustwave if this Page 2 DSOP THA Eng Oct 2017

information changes, providing updated information where applicable. American Express may require certain Level 3 Merchants to enroll in American Express s compliance program under this policy by sending them written notice. The designated Level 3 Merchant must enroll no later than 90 days following receipt of the notice. American Express may verify the results of your PCI process by up to, and including, engaging, at American Express s expense, a Qualified Security Assessor (QSA) of our choice. Step 2 Determine your Level and Requirements There are five Levels for Merchants and two Levels for Service Providers. Most levels are based on your volume of American Express Card Transactions. For Merchants, this is the volume submitted by their establishments that roll-up to the highest American Express Merchant account level.* You will fall into one of the Levels specified in the Merchant and Service Provider tables below. Business Initiated Payments (BIP) transactions are not included in the volume of American Express Card Transactions to determine Merchant Level and validation requirements *In the case of Franchisors, this includes volume from their Franchisee establishments. Franchisors who mandate that their Franchisees use a specified Point of Sale (POS) System or Service Provider also must provide validation documentation for the affected Franchisees. Merchant Requirements Merchants (not Service Providers) have five possible classifications regarding their level and validation requirements. After determining the Merchant level from the list below, see the Merchant Table to determine validation documentation requirements. Level 1 Merchant 2.5 million American Express Card Transactions or more per year; or any Merchant that American Express otherwise deems a Level 1. Level 2 Merchant 50,000 to 2.5 million American Express Card Transactions per year Level 3 Merchant (designated) Less than 50,000 American Express Card Transactions per year and has been designated by American Express as being required to submit validation documents. Designated Merchants are notified in writing by American Express at least 90 days before document submission is required. Level 3 Merchant (non-designated) Less than 50,000 American Express Card Transactions per year and has not been designated by American Express as being required to submit validation documentation. Security Technology Enhancement Program Merchants that are compliant with PCI DSS may also qualify for American Express s Security Technology Enhancement Program (STEP) if they deploy certain, additional security technologies throughout their Card processing environments. STEP applies only if the merchant has not experienced a Data Incident in the previous 12 months and if 75% of all Card Transactions are preformed using: EMV Technology on an active Chip-Enabled Device having a valid and current EMVCo (www.emvco.com) approval/certification and capable of processing AEIPS compliant Chip Card Transactions. Point to Point Encryption (P2PE) communicated to the Merchant s processor using a PCI-SSC-approved or QSA-approved Point to Point Encryption system Merchants eligible for Security Technology Enhancement Program have reduced PCI Documentation requirements, as further described in Step 3 below. Merchant table Level (defined above) Documentation (defined in Step 3 below) 1 Annual Onsite Security Assessment Report Quarterly Network Scan 2 Annual Self Assessment Questionnaire Quarterly Network Scan 3 Designated Annual Self Assessment Questionnaire Quarterly Network Scan 3* Annual Self Assessment Questionnaire Quarterly Network Scan Security Technology Enhancement Program** Annual Security Technology Enhancement Program (STEP) Attestation Requirement Strongly Recommended for Merchants desiring STEP eligibility *For the avoidance of doubt, Level 3 Merchants (other than Designated Level 3 Merchants) need not submit Documentation, but nevertheless must comply with, and are subject to liability under all other provisions of this Data Security Operating Policy. **Security Technology Enhancement Program is not available for Merchants that have had a Data Incident within twelve (12) months prior to the date of their Annual Assessment of Compliance. Service Provider Requirements Service Providers (not Merchants) have two possible classifications regarding their level and validation requirements. After determining the Service Provider level from the list below, see the Service Provider Table to determine validation documentation requirements Page 3 DSOP THA Eng Oct 2017

Level 1 Service Provider 2.5 million American Express Card Transactions or more per year; or any Service Provider that American Express otherwise deems a Level 1. Level 2 Service Provider less than 2.5 million American Express Card Transactions per year; or any Service Provider not deemed Level 1 by American Express. Service Providers are not eligible for the Security Technology Enhancement Program. Service Provider table Level (defined above) Documentation (defined in Step 3 below) 1 Annual Onsite Security Assessment Report Quarterly Network Scan 2 Annual Self Assessment Questionnaire Quarterly Network Scan Requirement Step 3 Determine the Documentation that you must send to American Express The following documents are required for different levels of Merchant and Service Provider as listed in the Merchant Table and Service Provider Table above. Annual Onsite Security Assessment The Annual Onsite Security Assessment is a detailed onsite examination of your equipment, systems, and networks (and their components) where Cardholder Data or Sensitive Authentication Data (or both) are stored, processed or transmitted. It must be performed by a QSA or you and certified by your chief executive officer, chief financial officer, chief information security officer, or principal and submitted annually to American Express on the applicable Attestation of Compliance (AOC). The AOC must certify compliance with all requirements of the PCI DSS and, upon request, include copies of the full report on compliance (Level 1 Merchants and Level 1 Service Providers) Annual Self Assessment Questionnaire The Annual Self Assessment is a process using the PCI DSS Self- Assessment Questionnaire (SAQ) that allows selfexamination of your equipment, systems, and networks (and their components) where Cardholder Data or Sensitive Authentication Data (or both) are stored, processed, or transmitted. It must be performed by you and certified by your chief executive officer, chief financial officer, chief information security officer, or principal. The AOC section of the SAQ must be submitted annually to American Express. The AOC section of the SAQ must certify your compliance with all requirements of the PCI DSS and include full copies of the SAQ on request (Level 2 and all Level 3 Merchants; Level 2 Service Providers). Quarterly Network Scan The Quarterly Network Scan is a process that remotely tests your Internet-connected computer networks and web servers for potential weaknesses and vulnerabilities. It must be performed by an Approved Scanning Vendor (ASV). You must complete and submit the ASV Scan Report Attestation of Scan Compliance (AOSC) or the executive summary of findings of the scan (and copies of the full scan, on request), quarterly to American Express. The AOSC or executive summary must certify that the results satisfy the PCI DSS scanning procedures, that no high risk issues are identified, and that the scan is passing or compliant (all Merchants except Security Technology Enhancement Program-eligible; all Service Providers). Annual Security Technology Enhancement Program (STEP) Attestation The American Express Annual STEP Qualification Attestation ( STEP Attestation ) involves a process using PCI DSS requirements that allows selfexamination of your equipment, systems, and networks (and their components) where Cardholder Data or Sensitive Authentication Data (or both) are stored, processed, or transmitted. It must be performed by you and certified by your chief executive officer, chief financial officer, chief information security officer, or principal. You must complete the process by submitting the STEP Attestation form annually to American Express. (STEP-eligible Merchants only). The Annual Security Technology Enhancement Program Attestation form is available for download via Trustwave s secure portal. Summary of Compliance The Summary of Compliance ( SOC ) is a document by which a Franchisor may report the PCI Compliance status of its franchisees. The SOC template is available for download via Trustwave s secure portal. Non Compliance with PCI DSS If you are not compliant with the PCI DSS, then you must complete an AOC including Part 4. Action Plan for Non-Compliant Status or a Project Plan Template (available for download via Trustwave s secure portal) and designate a remediation date, not to exceed twelve months following the date of the AOC, for achieving compliance. You must submit this AOC with the Action Plan for Non-Compliant Status to American Express by one of the methods listed in Step 4 below. You shall provide American Express with periodic updates of your progress toward remediation under the Action Plan for Non-Compliant Status (Level 1, Level 2, and Designated Level 3 Merchants; All Service Page 4 DSOP THA Eng Oct 2017

Providers). For the avoidance of all doubt, Merchants that are not compliant with PCI DSS are not eligible for the Security Technology Enhancement Program (STEP). American Express shall not impose non-validation fees (described below) on you for non-compliance prior to the remediation date, but you remain liable to American Express for all indemnity obligations for a Data Incident and are subject to all other provisions of this policy. Step 4 Send the Documentation to American Express Level 1 Merchants, Level 2 Merchants, Designated Level 3 Merchants, STEP-eligible Merchants, and all Service Providers must submit the Documentation marked mandatory in the tables in Step 2. You must submit your Documentation to Trustwave by one of these methods: Secure Portal: Documentation may be uploaded via Trustwave s secure portal at https://login.trustwave.com. Please contact Trustwave at +1 (312) 267-3208 (+ indicates International Direct Dial IDD prefix, International toll applies) or via email at AmericanExpressCompliance@trustwave.com for instructions on using this portal. Secure Fax: Documentation may be faxed to: +1 (312) 276-4019. (+ indicates International Direct Dial IDD prefix, International toll applies). Please include your name, DBA (Doing Business As) name, the name of your data security contact, your address and phone number, and, for Merchants only, your 10-digit American Express Merchant number. If you have general questions about the program or the process above, please contact Trustwave at +1 (312) 267-3208 (+ indicates International Direct Dial IDD prefix, International toll applies) or via email at AmericanExpressCompliance@trustwave.com Compliance and validation are completed at your expense. By submitting Documentation, you represent and warrant to American Express that you are authorized to disclose the information contained therein and are providing the Documentation to American Express without violating any other party s rights. Non- Fees and Termination of Agreement American Express has the right to impose non-validation fees on you and terminate the Agreement if you do not fulfill these requirements or fail to provide the mandatory Documentation to American Express by the applicable deadline. American Express will notify you separately of the applicable deadline for each annual and quarterly reporting period. Description (Currency THB ) A non-validation fee will be assessed if the Documentation is not received by the first deadline. An additional nonvalidation fee will be assessed if the Documentation is not received within 30 days of the first deadline. An additional nonvalidation fee will be assessed if the Documentation is not received within 60 days of the first deadline. Level 1 Merchant or Service Provider Level 2 Merchant or Service Provider, STEP Merchant 810,000 162,500 110,000 325,000 145,000 490,000 Designated Level 3 Merchant only 650 per month If American Express does not receive your mandatory Documentation within 60 days of the first deadline, then American Express has the right to terminate the Agreement in accordance with its terms as well as impose the foregoing non-validation fees cumulatively on you. SECTION 5 CONFIDENTIALITY American Express shall take reasonable measures to keep (and cause its agents and subcontractors, including Trustwave, to keep) your reports on compliance, including the Documentation in confidence and not disclose the Documentation to any third party (other than American Express s affiliates, agents, representatives, Service Providers, and subcontractors) for a period of three years from the date of receipt, except that this confidentiality obligation does not apply to Documentation that: i. is already known to American Express prior to disclosure; ii. is or becomes available to the public through no breach of this paragraph by American Express; iii. is rightfully received from a third party by American Express without a duty of confidentiality; iv. is independently developed by American Express; or Page 5 DSOP THA Eng Oct 2017

v. is required to be disclosed by an order of a court, administrative agency or governmental authority, or by any law, rule or regulation, or by subpoena, discovery request, summons, or other administrative or legal process, or by any formal or informal inquiry or investigation by any government agency or authority (including any regulator, inspector, examiner, or law enforcement agency). SECTION 6 DISCLAIMER AMERICAN EXPRESS HEREBY DISCLAIMS ANY AND ALL REPRESENTATIONS, WARRANTIES, AND LIABILITIES WITH RESPECT TO THIS DATA SECURITY OPERATING POLICY, THE PCI DSS, THE EMV SPECIFICATIONS AND THE DESIGNATION AND PERFORMANCE OF QSAs, ASVs, OR PFIs (OR ANY OF THEM), WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. AMERICAN EXPRESS CARD ISSUERS ARE NOT THIRD PARTY BENEFICIARIES UNDER THIS POLICY. Useful Web Sites American Express Data Security: http://www.americanexpress.com/datasecurity PCI Security Standards Council, LLC: http://www.pcisecuritystandards.org GLOSSARY For purposes of this policy only, the following definitions apply: American Express Card, or Card, means any card, account access device, or payment device or service bearing American Express or an affiliate s name, logo, trademark, service mark, trade name, or other proprietary design or designation and issued by an issuer or a card account number Attestation of Compliance, or AOC, means a declaration of the status of your compliance with the PCI DSS, in the form provided by the Payment Card Industry Security Standards Council, LLC. Approved Point to Point Encryption (P2PE) Solution, included on PCI SSC list of validated solutions or validated by a PCI SSC Qualified Security Assessor P2PE Company Approved Scanning Vendor, or ASV, means an entity that has been qualified by the Payment Card Industry Security Standards Council, LLC to validate adherence to certain PCI DSS requirements by performing vulnerability scans of internet facing environments. Attestation of Scan Compliance, or AOSC, means a declaration of the status of your compliance with the PCI DSS based on a network scan, in the form provided by the Payment Card Industry Security Standards Council, LLC. Cardholder Data has the meaning given to it in the then current Glossary of Terms for the PCI DSS. Cardmember means an individual or entity (i) that has entered into an agreement establishing a Card account with an issuer or (ii) whose name appears on the Card. Cardmember Information means information about American Express Cardmembers and Card transactions, including names, addresses, card account numbers, and card identification numbers (CIDs). Charge means a payment or purchase made on a Card. Chip means an integrated microchip embedded on a Card containing Cardmember and account information. Chip Card means a Card that contains a Chip and could require a PIN as a means of verifying the identity of the Cardmember or account information contained in the Chip, or both (sometimes called a smart card, an EMV Card, or an ICC or integrated circuit card in our materials). Chip-Enabled Device means a point-of-sale device having a valid and current EMVco (www.emvco.com) approval/certification and be capable of processing AEIPS compliant Chip Card Transactions. Compromised Card Number means an American Express Card account number related to a Data Incident. Covered Parties means any or all of your employees, agents, representatives, subcontractors, Processors, Service Providers, providers of your point-of-sale equipment or systems or payment processing solutions, entities associated with your American Express Merchant account, and any other party to whom you may provide Cardmember Information access in accordance with the Agreement. Credit means the amount of the Charge that you refund to Cardmembers for purchases or payments made on the Card. Data Incident means an incident involving the compromise of American Express encryption keys, or at least one American Express Card account number in which there is: unauthorized access or use of Encryption Keys, Cardholder Data or Sensitive Authentication Data (or a combination of each) that are stored, processed, or transmitted on your equipment, systems, and/or networks (or the components thereof) of yours or the use of which you mandate; use of such Encryption Keys, Cardholder Data or Sensitive Authentication Data (or a combination of each) other than in accordance with the Agreement; and/or suspected or confirmed loss, theft, or misappropriation by any means of any media, materials, records, or information containing such Encryption Keys, Cardholder Data or Sensitive Authentication Data (a combination of each). Data Incident Event Window means the period that begins up to 365 days prior to the Notification Date and ends 30 days after the Notification Date. Designated Level 3 Merchant means Merchants who have been notified by American Express that they are required to Page 6 DSOP THA Eng Oct 2017

participate in the American Express PCI Compliance program and report their compliance status. EMV Specifications means the specifications issued by EMVCo, LLC, which are available at http://www.emvco.com. EMV Transaction means an integrated circuit card (sometimes called an IC Card, chip card, smart card, EMV card, or ICC ) transaction conducted on an IC card capable point of sale (POS) terminal with a valid and current EMV type approval. EMV type approvals are available at http://www.emvco.com. Encryption Key ( American Express encryption key ), means all keys used in the processing, generation, loading and/or protection of Account Data. This includes, but is not limited to, the following: Key Encrypting Keys: Zone Master Keys (ZMKs) and Zone Pin Keys (ZPKs) Master Keys used in secure cryptographic devices: Local Master Keys (LMKs) Card Security Code Keys (CSCKs) PIN Keys: Base Derivation Keys (BDKs), PIN Encryption Key (PEKs), and ZPKs Franchisor means the operator of a business that licenses persons or Entities (Franchisees) to distribute goods and/or services under, or operate using the operator s Mark; provides assistance to Franchisees in operating their business or influences the Franchisee s method of operation; and requires payment of a fee by Franchisees. Level 1 Merchant 2.5 million American Express Card Transactions or more per year; or any Merchant that American Express otherwise deems a Level 1. Level 2 Merchant 50,000 to 2.5 million American Express Card Transactions per year. Level 3 Merchant Less than 50,000 American Express Card Transactions per year and has not been designated by American Express. Level 3 Merchant (Designated) means Merchants who have been notified by American Express that they are required to participate in the American Express PCI Compliance program and report their compliance status. Level 1 Service Provider 2.5 million American Express Card Transactions or more per year; or any Service Provider that American Express otherwise deems a Level 1. Level 2 Service Provider less than 2.5 million American Express Card Transactions per year; or any Service Provider not deemed Level 1 by American Express. Notification Date means the date, designated by American Express, that issuers receive notification of the Data Incident. Payment Application has the meaning given to it in the then current Glossary of Terms for Payment Card Industry Payment Application Data Security Standard, which is available at PCI- Approved means that a PIN Entry Device or a Payment Application (or both) appears at the time of deployment on the list of approved companies and providers maintained by the PCI Security Standards Council, LLC, which is available at PCI DSS means Payment Card Industry Data Security Standard, which is available at PCI Forensic Investigator, or PFI, means an entity that has been approved by the Payment Card Industry Security Standards Council, LLC to perform forensic investigations of a breach or compromise of payment card data. PCI PIN Security Requirements, means the Payment Card Industry PIN Security Requirements, which is available at PIN Entry Device has the meaning given to it in the then current Glossary of Terms for the Payment Card Industry PIN Transaction Security (PTS) Point of Interaction (POI), Modular Security Requirements, which is available at Point of Sale (POS) System means an information processing system or equipment, including a terminal, personal computer, electronic cash register, contactless reader, or payment engine or process, used by a Merchant, to obtain authorizations or to collect Transaction data, or both. Point-to-Point Encryption (P2PE) means a solution that cryptographically protects account data from the point where a merchant accepts the payment card to the secure point of decryption Processor means a service provider to Merchants who facilitate authorization and submission processing to the American Express network. Qualified Security Assessor, or QSA, means an entity that has been qualified by the Payment Card Industry Security Standards Council, LLC to validate adherence to the PCI DSS. Self-Assessment Questionnaire, or SAQ, means a self assessment tool created by the Payment Card Industry Security Standards Council, LLC, intended to evaluate and attest to compliance with the PCI DSS. Sensitive Authentication Data has the meaning given it in the then current Glossary of Terms for the PCI DSS. Service Providers means authorized processors, third party processors, gateway providers, integrators of POS Systems, and any other providers to Merchants of POS Systems, or other payment processing solutions or services. Summary of Compliance or SOC means a PCI validation document used by a Franchisor to indicate the PCI compliance status of its affected franchisees. Security Technology Enhancement Program (STEP) means American Express s program in which merchants are encouraged to deploy technologies that improve data security. Merchants eligible for STEP have not had a Data Incident in the previous 12 months and have at least 75% of all transactions using EMV or Point to Point Encryption. Transaction means a Charge or a Credit completed by means of a Card. Page 7 DSOP THA Eng Oct 2017

Documentation means the AOC rendered in connection with an Annual Onsite Security Assessment or SAQ, the AOSC and executive summaries of findings rendered in connection with Quarterly Network Scans, or the Annual Security Technology Enhancement Program Attestation. Page 8 DSOP THA Eng Oct 2017